Flex your budget. Pay your way.
Buy Now, Pay Later from Beacon Credit Union offers a convenient service available to eligible members with a qualified checking account. If you're looking to spread out payments for a large purchase you've already made, Buy Now, Pay Later can help you manage your cash flow and stay within your budget.
Split Your Payments offers are available to members who have made eligible debit card purchases and would like to pay for those purchases in installments over time.
To access your Buy Now, Pay Later perks, simply log in to digital banking and locate “Buy Now, Pay Later.” View and accept your available offers in seconds, then choose the repayment terms that work for you. Your funds will be deposited into your account within moments.
You’re already qualified.
- No credit check.
- No application. Your Buy Now, Pay Later offers are tailored for you and pre-qualified. Simply view and accept to proceed.
- No new cards or accounts. Continue using your existing Beacon checking account and debit card when accessing offers.
- Everything in your online banking. Review and manage your Buy Now, Pay Later offers, plans, and payments in one place.
Frequently Asked Questions
Where can I find my Buy Now, Pay Later offers?
Buy Now, Pay Later offers are available in Beacon Credit Union’s mobile and online banking platforms under the "Buy Now, Pay Later" tab.
How do I apply for a Buy Now, Pay Later loan?
There is no application for a Beacon Credit Union Buy Now, Pay Later loan. All Split Your Payments: Buy Now, Pay Later offers found within your online banking are pre-qualified for you to view and accept. You will receive a copy of the loan agreement that includes the rate and terms via email.
How soon will I see my purchase amount deposited back into my account?
After you accept a Beacon Buy Now, Pay Later offer, your purchase amount will be deposited into your account within moments. In some cases, it may take up to 24 hours.
Does Buy Now, Pay Later require a credit check?
No, Beacon Credit Union’s Buy Now, Pay Later offering does not require a credit check.
Can I pay off my Buy Now, Pay Later plans early?
Yes. You can pay off your Buy Now, Pay Later plans early within your Beacon online banking or at a branch.
Why can't I see any Buy Now, Pay Later offers?
If you do not see any Buy Now, Pay Later offers, it may be because your current account status is not eligible. If you already have active Buy Now, Pay Later plans, you may not be eligible for additional offers until those plans are paid off.
If you do not see Split Your Payments offers, it may be because your recent debit card purchases are not eligible.
What makes a purchase eligible for Split Your Payments offers?
A purchase eligible for Split Your Payments must be a debit card transaction made within the past 60 days, be at least $100, and not be a cash-equivalent purchase (e.g., ATM withdrawal, money order, cash advance). Additional restrictions related to merchant type and transaction limits may affect Buy Now, Pay Later eligibility.
Eligibility for Buy Now, Pay Later offers is subject to account status, credit union criteria, and other factors. Offers, terms, and availability may change at any time.
